>> pete? >> mark, i think the pharma names still have upside. >> tesla. >> i will stay with aetna. >> sell facebook. if their answer to the mobile strategy is coming up with a home on the phone, sell it. >> that does it for us. more "fast" tonight at 5:00. have a great rest of the day. >> "halftime" is over. "power lunch" and the second half of the trading day starts right now. >> ceo slashers, pay cuts, guaranteed stock that is no longer guaranteed. today the changing face of the ceo corporate board relationship when it comes to pay. another big problem for carnival. it seems like everything they touch right now turns to, not gold if you know what i mean. the stock has been holding up remarkably well. we will explore just why. and something else to worry about. a warning before you file your taxes. you need to know about a brand new kind of rip-off.

the crooks are getting bolder and it could affect you. first to sue. >> it's been a great year. so far in 2013, the dow is up and the s&p up 9.5%. as for the nasdaq it's up a full 7%. but check this out. the dow transports are now down more than 1%. then also down three straight days. are these signs that we're about to see a bigger sell off? bob, come in and join the conversation. perhaps we should not be surprised given the velocity of the movement. >> i like to see it when growth

stocks leave the market. it's true that the market has many different stocks and sectors. and you would say what's wrong with that. well, it's a little bit of a problem when you get these. let me show you quickly what's going on. and look back further than three days. the last two weeks the dow has been up. that's a very strange diversion. bottom line is look, all of the names, health care and telecoms have been up. and their bigger groups, the industrials and materials have financials have been backwards. speaking of financials, look at this decline. they were at highs just about a month ago and some of them are already essentially down 10%. call me a crank if you want. but when i see these stocks, i get more concerned.

>> breaking news now. pleading guilty to wire fraud. he has just left the courtroom. mary? >> hey, there, sue. matthew taylor leaving the courthouse just minutes ago. he refused to answer questions from the press this follows a court hearing earlier this morning where he entered a guilty plea to one count of wire fraud. in a statement he read in court, mr. taylor said it was a desire to increase his rep ewe taegs and compensation at goldman sachs that led him to accumulate an unauthorized $8 billion position. he tried to cover it up but was later found out. in a statement that was released after mr. taylor entered his guilty plea, goldman sachs said

they were very disappointed in the unauthorized. he cost goldman $118 million. >> now to a big pay cut for jc penney's embattled ron johnson. the man at the top is paying for it. this is quite a slash in pay. >> this is the way that a lot of people think that it should work. directly tied to the company's success as the market defines it, the ceo should prosper or flounder right along with the shareholders. 2012 was a rough year for jcp. he received no stock awards like

he did in 2011. 2011 compensation totalled 53.3 million. done partially to compensate him for the $50 million of apple stock that he would have vested. >> very interesting. going get $52 million in stock from jcp. restricted shares. i wonder if that stock is worth anywhere near 52 million? >> almost nothing near. he can't exercise at a strike price of 30 for like 14 and change. that's pretty much worth nothing now, too. >> sue? >> we're going to talk carnival. the shares are not sinking.

this comes after the engine room fire. and it's only been a little over a year since the ship capsized and claimed 32 lives. since the concordia disaster, the stock is up about 2.5%. how much more bad news can the company take before the stock breaks down a bit. a lot of people are very curious that none of this bad news has really stuck to the company. >> you know, it had more to do

with maybe the lack of sophistication and infrastructure than anything that carnival did. i think we saw that the business was very resilient in the near term. people have become very hesitant about paying enough to take a cruise. as some time lapses between any sort of accident and the booking of a cruise, the prices seem to re bou rebound. >> the discounting that they were forced to do. >> there is a lot of operating room in the business. a lot of the capital, for every

extra person they get on. obviously profitability is not growing how management wants it to grow. i think maybe not this year. next year we start to see a resumption of growth in earnings again. >> right. thank you very much. appreciate it. jamie. ty, over to you. >> and a lawsuit has been revived. she accused cohen of hiding $5.5 million from her during divorce proceedings. a lower court erred by dismissing the claims. >> the company is set to begin offering online poker and casino style games in britain with win party digital entertainment. and analysts see this launch as a steppingstone to the

introduction of real money on the online games in the united states. and voda phone taking a hit after verizon says it doesn't plan to merge or make a bid as had been speculated yesterday. >> and during that same time, international equity etfs saw a net outflow of $1.7 billion. many times it is seen as a good sign.

he has given the retail investor a low cost way to invest and skip the middle man. lastly according to ici, there is a clear divergence in the strength versus mutual funds from 2007 to present day. deutsche bank says investors have reallocated less liquid mutual funds and into lower cost equity etfs. and given lackluster performance, etfs will continue to garner a higher share of equity inflows as well. >> all right. thank you very much. he is the man behind the tesla, but is the math he's using to get you to buy one totally credible? phil lebeau is on the case. >> how much is your time worth? is it worth $100 an hour? that's part of the math that tesla uses to calculate your effective cost of owning a model s. we will run down the numbers

next on power lunch. ♪ [ laughter ] ♪ [ female announcer ] each one of us is our own boss. ♪ and no matter where you are in life, ask your financial professional how lincoln financial can help you take charge of your future. ♪

>> the company reporting better than expected second quarter earning, boosting sales of its genetically modified corn seed. ty? >> tesla offering a financing product that says it will make

its model s sedan more accessible. shares are up. strong sales figures coming through. but is the musk practicing some funny mast with this offer? phil lebeau has been breaking down the numbers in chicago. phil? >> i think that's one of the reasons we're seeing a bit of the sell-off. people saying i'm not exactly sure i agree with what they're saying. we put that up and said we have got big news coming and they announced the new financing or lease option. they want to be equal to the mercedes s class. they believe it is comparable.

ela n musk says you have got to make it more affordable. they have got to open it up to more people. you have got to believe that they are coming up with the monthly savings. they say average state varies state to state. if you don't pay $5 a gallon, you save. and then there are the other calculations that some people are looking at and saying what? if you use it for a business you get $227 a month deduction. and that's how much they believe you spend going to the gas station and filling up. take that off of what your monthly payment would be and you get a monthly cost effective cost of $469. keep in mind that's not what you're paying. that's the effective cost. he was asked about the calculations and tesla's mant. even if you don't count the time

savings you can own the car for $500 a month, no marketing gimmicks. i do think there is value to considering not using a gas station. that's what you get when you look at tesla's formula for how much it will cost you to lease the model s. >> you're worth much more than 100 bucks an hour. i can understand how they would think. >> let's go to josh lipton for a market flash. >> it is ripping higher on solid volume. the news fifth and pacific exploring the sale of juicy cotoure and dough brands. kate spade would remain as the main company brand.

that stock up nearly some 8%. back to you guys. >> the market is giving an opinion. thank you josh, very much. your tax return may be an invitation for identity thieves. a new turbo boosted scam is sweeping the nation. we will talk about that just ahead. and is the golf cart about to be a thing of the past? wait until you see what might be about to replace it. wow. >> coming up, power pitch. start ups give us their 60 second pitch. >> founder and ceo of binishells. >> we give you insight into the fast paced world of venture capitals. >> do these founders have what it takes? >> are you in or out? >> stay tuned to find out. ly ind every step of the process, making it easier to try filters and strategies...

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>> this is power pitch. our panel provides insight, giving you an in-depth look at the world of entrepreneurial start ups. he is a los angeles based architect with dreams of changing how we build homes, schools and more. here is the power pitch.

>> my name is nicole. i have a next generation construction technology company. our systems result in housing, schools, our disaster relief that have one third the environmental impact over their life span, cost half as much to build, and yet are far more durable and resistant to all manner of natural disasters. it's a tripping bottom line play. we have the opportunity to house the one out of four people around the world that are living in substandard shelters. from a planet perspective, our buildings have one third the environmental impact. and from a profit perspective, we're introducing a far superior product into the construction industry. which afterall it's 10% of the world's gdp. we feel we have a unique opportunity to provide our

investors with a wonderful return. >> he is on the right side of the screen and he cannot react to our critiques. our panel today, diana, john, a former executive in residence and was the development manager at google's small business partnership. john, what's your initial reaction? >> it reminds me a bit of mr. fuller's domes. and you don't see many of those around right now and i'm not sure this is the best time to go for a global home builder. >> diana? >> we talk about green homes so i'm a little more optimistic about this one because green technology is in and especially cost effectiveness. how is he going to market these when he's talking about developing countries? >> how does he document the reduced amounts of environmental impact? i would like to know the science behind the numbers.

you now are in the hot seat. we're going to ask you a few questions and get your answers. >> i'm wondering about the asthetics. do they have to look like pods or can you take the technology and put it into a more classic home? >> we are partnering with international builders around the world. they love what we're doing. and they're seeing huge potentials for our systems in their markets. >> john, your turn. >> are there large international home builders that would do communities in the developing world? do you have real numbers to speak of? >> we're early in our development. we're working within the existing building infrastructure and providing our partners around the world with ways that enable them to bring our product to their market. >> is there a way to get an advance order so in the event of a disaster you could deploy rapidly into a crisis area?

is that something you could have and bring to market? >> we build faster and we're talking about one third the construction times using local labor and materials. what we do is we can stock house our forms, which is the one element that we have to import. >> do you have actual orders, any hard numbers that you can cite? i understand that you're talking to both ngos and some of the top ten builders in the world, but talk is one thing. talk is not revenue. >> to be clear, we're a technology company. so we don't build. we don't take orders. we license our technology and that's what we're working on. our partners are seeing the potential for our systems in their regions otherwise it wouldn't be speaking of it. >> you heard what he had to say. are you in or out? >> i think the product is innovative and exciting. i'm confident that there are the

energy savings there. however without a distribution partner in place, without licensing orders in place, it's too early for me to get comfortable with it. for that reason, i'm out. >> disaster preparedness, perhaps a home that you think is not going to be destroyed by a disaster and third world opportunities and developing nations, i think there is something out there especially with the materials and technology and when he talks about the labor and the cost. i'm going to be cautious but i think i'm in. >> i think the building products will be very hard to on al, breakthrough. so i am a cautious out. you get the last word. >> keep in mind, things change. people -- the construction industry has to change. buildings are so inefficient. they are not strong enough. they have to be built faster and

more affordably. i think there is huge opportunities out there. the construction industry has been too stagnant for too long. >> and good luck to you with your wonderful idea. and thanks also to our panel. and that will do it for the power pitch. >> are you in or out? log into power pitch and cast your vote and join the conversation on twitter as well. let us you if you think what he has to face the judges of the power p eer pitch. >> tied to north korea, which is hiking up tensions just a little bit more. kim jong un saying he will restart previously closed nuclear reactors. second he closed down a shared industrial park. one of the few signs of

cooperation that they had had with south korea. >> reporter: if you ask experts here what kind of signs would worry them, they would almost always mention the shutting down of that industrial park. just inside north korea. it's the only north and south korea joint venture and it has been a bellwether of north south relations. this morning when the shift change of south korean managers and truckers got to the border they were told in so many words to go home. meanwhile inside the park, some 800 south koreans opted to stay there to watch over their businesses. so this is poorly ratcheting up the tension in an already tense environment. kim jong un has declared he is

reactivating an old nuclear reactor for electricity and to beef up nuclear weapons building. experts are saying that both of the gestures are meant most of all to scare south koreans and americans into new rounds of talks and concessions. >> thank you very much. i'm sure there is a lot more anxiety. we will follow this story along with you. thank you so much. the gold market taking a hit i'm kind of surprised that the situation has not put a bid more in the metals. >> we are looking at gold prices at a ten month low. we're looking at paper demand that seems to be non-existent at the moment and physical demand that has been a bit stronger. maybe weaker with chinese markets closed in the next

session. we're looking at prices right now that broke below 1550 an ounce and closing below a final settlement price is going to be significant. even where we are right now is bearish territory. it's not only gold that is under pressure. we're looking at silver that is in a bear market and an eight month low. copper is at an eight month low. and in commodities overall we are seeing weakness. so just a huge amount of selling here in gold in the final trades that are coming in and elsewhere in the commodities space. back to you. >> thank you very much. a key bond index has turned negative for the first time in seven years. is a transition taking place in the markets? if so where? how? what? we will ask richard mattigan. >> and the markets taking a little bit of a turn for the worse. you see the dough down 75

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>> face book shares posting some gain. elsewhere, western digital continues to move to the upside. the stock up now about 20% year to date. eyeglass wars may be heating up. developing a digital eye wear product similar to the google glasses. baidu is testing the product and said it is unclear if the product will ever actually be sold. back to you. >> thank you very much. the dow jones industrial average is down 89 points. >> it's about time something happened. hopefully everybody knows that what we have been talking about for five days which is consumer stocks have been leading the market.

the question is why has this been happening. show you what's going on in commodities here. take a look. here is the poster child for this whole argument and you can see what's been going on. if you were to go there, if you overlay this, they hit highs in february. if you overlay this on china, china is down this year. now oil is not collapsing. it's down today. but there are concerns about global weakness affecting global demands for oil. and here again, some of the big

oil service names. >> we're down about 91 points now. >> remember yesterday, valero told cnbc that the cost will cost between 300 and 400 million. analysts telling me that we are seeing selling from that news. making it more expensive to come ply. add in potential profit taking. refiners down again today. sue, back to you. >> thank you very much. |to chicago and the trading pits where we see the yield on the ten year. what are they watching? >> they're watching that index you're going to think about on the bond side down for the year.

might not be for long. look at the 24 hour. 180. year to date, please. for all of data 2013, this is the lowest yield should it close here. there is movement in that. eight month commodity lows. add corn to that. a boat load of corn potentially being planted. >> stocks slipping today. so can the bull continue to run with the dow jones already up 10% for the year? back for richard mattigan.

>> i guess i would like to talk first about u.s. stocks and whether you think given the underlying fundamentals of the economy and the marketplace that those fundamentals justify today's price? >> we do. the biggest debate is pace versus distance. but directionally we feel constructive. all of those pieces are still there. fear is pushing frustration. you're watching people who have been underinvested rebuilding portfolios. >> you have rebuilt a transitional moment in the market. what is that? we're there now. what is it and what is it causing you to do? >> the key part of that question is being much more balanced and invested. even a year ago, being more

dramatic, concentrated, focusing on bonds and credit, made a great deal of sense. but in a market that is normalizing, i want to emphasize this and underline it. we really are hitting the inflection. it's one that will take us from recovery to expansion. but what it will do for investors is broaden what they are investing. >> it is time. if you haven't started moving already, move that way. let's listen to some sound earlier today about the job market. this is with steve, the job market unemployment. roll that bite, would you please? >> what we have seen is a general uptick in economic performance. they're in fair number of data points that have been above expectations. remember, this has happened before. in the spring of 2011, in the spring of 2010, the fall of 2011, we had some increases that

lasted for a few months in job creation. and then they were followed by valleys. we had peaks and then valleys. and i think at the very least what i would like to see is good healthy peaks that have job creation well above the rate of new entrants into the labor market followed not by valleys, but at the very least by a nice plateau. >> you know, i would like to get your general reaction to what you just heard. but also, put it in the context of qe. is there anything in there that tells you they're getting ready to taper it off? is it on your radar screen? >> good and bad news. the peaks and valleys are still there. the trend is towards resumed growth. our economic team is telling us

in where between three and a half or 3.8%. we're still calling for trend growth. everything that speech said is broadly supported for risk assets and equities. what it tells you is with labor markets gradually recovering, the piece we're not worried about is inflation. the answer to your second question is crucial. we should be cheering for the fed to be able to stop that from qe. >> it's not a bad thing. it's a good thing. if growth is gradually recovering without it, we want it to be less active. >> which sectors do you think still have double value? >> i had a flash back.

-- >> it sure has. >> and dividend yielding stocks. because payout ratios, you were talking about this. we're at lows in that trend. there is upside for payout ratios to increase. that will keep driving dividend and also buy backs. net equity will support earnings. >> always great to see you. thank you very much. fantastic. if you're in line for a tax refund, refund fraud is at record levels. here is scott.

>> you know, we are always talking about refund fraud at the federal level. they file a fake refund using your stolen identity and claim a refund. there is 43 states worth of income tax. we will tell you about that when we continue. at a dry cleaner, we replaced people with a machine. what? customers didn't like it. so why do banks do it? hello? hello?! if your bank doesn't let you talk to a real person 24/7, you need an ally. hello? ally bank. your money needs an ally. i've always kept my eye on her... but with so much health care noise, i didn't always watch out for myself. with unitedhealthcare, i get personalized information and rewards for addressing my health risks. but she's still going to give me a heart attack.

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>> let's get you upto date. it is the worst trading day so far. >> very interesting anniversary today. the mobile phone celebrates its 40th anniversary. we asked you what do you think has been the most innovative consumer technology product in the past 40 years. 26 say the cell phone.

15% say apple products and 9% say gps. ty, up to you. >> all righty, sue. we have been reporting for a year now on the growing wave of tax refund fraud. last year identity thieves made off with $5 billion of tax refunds that don't belong there. and two weeks from tax day they are at it again. federal taxes are just part of the problem. >> the further you dig into this, the worse it seems. >> vincent and darlene have always been careful about protecting their their identity. they asked us not to use their last names. but that cautious was no match for the crooks who broke into their accountants office.

>> our computer was stolen and all of our irs tax return information was on there. >> you have the dread, the worry and the work to restore things. >> not only did the crooks file a fake federal return, they filed a state return, too. maybe lots of them. >> we will have to be careful for the rest of our lives. >> for crooks it doesn't seem like it could get much better than this. why file one when you could file in state after state after state. >> vincent and darlene can be thankful that they live in georgia where the state revenue commissioner knows a thing or two about this crime. >> someone got ahold of my wife's name and social security number. they filed a tax return in her name and got a refund. >> georgia has beefed up its enforcement and it teamed up

with lexus nexus. >> here is four addresses. which one didn't you live at? here is four cars, which one do you own? >> they say it's working. last year nearly $100 million in fraud stopped before the refunds went out the door. >> all right. thank you. nasdaq's losses are widening. it is down more than 1% as you see. we'll be right back. al one, bjorn earns unlimited rewards for his small business. take these bags to room 12 please. [ garth ] bjorn's small business earns double miles

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>> all right. welcome back to power lunch. a few moments ago we brought you some headlines and the traders on the floor telling me it's one of the reasons we saw the market dip down to a negative 108. that is that the defense secretary is making statements

saying the north korean situation presents a clear danger and he is going to be working with china and others in the area to try and diffuse that. but as a result of that threat, the u.s. will send a missile defense battery to guam. thanks for scrambling. we appreciate it. but these headlines hit and we did see the market dip a little lower. this may be the event that the market is going to be the most nervous about? >> that's right. obviously secretary of defense haguele, a new person in that position. i am just going through this transcript as you are to see exactly what he has said on the issue of north korea. markets paying very clear attention here to the north korean threat. north korea has been bellicose with its rhetoric and the tension there is rising. all sides describe it as a tense

moment and the united states officials here in washington have said over recent days that the u.s. will do what it takes to protect its allies in that region. and the maneuvering of military hardware around the world to position the u.s. defensively, militarily is something that will be something very closely watched and is done knowing that the movement of that material will be closely watched. so a lot of this is a diplomatic dance that we're seeing as we move the assets around the world to send a message to north korea that the military is prepared to do something. he said that tensions were heating up because of the latest ratcheting up by kim jong un. if the united states deploys the missiles to guam, at what point does that then trigger more

retailuation from the north kore koreans? it's a delicate dance, is it not? certainly the united states wants to be seen as strong but on the other hand you might provoke further action from north korea. >> it is really tricky. they're trying to get inside the heads of the north korean leadership to figure out do you respond with force or will a forceful response just inspire another move on the ches board by the north koreans? will you accidentally leverage yourself into a conflict that you don't want to have with north korea? or if you ratchet it down somehow, inside the mind set and leadership there, will that be perceived as a sign of weakness? it's difficult to get inside of the heads of the north koreans. we saw dennis rodman go on a bizarre trip and being received by north korean leadership. what that was all about, i'm

sure a lot of folks would like to know. it's a confusing leadership group there. >> not only do we have new leadership in north korea and we have the new party in china. so it's a very complicated game of chess that is being played right now with all new leaders that our new defense secretary has to deal with as well. >> and there have been some voices inside china that have been controversial in chinese terms who have been arguing that the chinese ought to not necessarily back the north korean government. what they will do here is one of the keys to the solution. that is another piece of this

that will be closely watched. >> stay with us. it looks like this is a new low. we are now down 112 points on the dow. the buzz that i am hearing on the floor is that they're watching the next 24 hours will be key once the news gets out of the u.s. moving some defense systems into guam. >> we were down about 65 points in the dough just as the i think a lot of traders have felt that we have seen a lot of bluster that have not amounted to much. the cost would be the south korean index has not moved at all in the last several days. the koreans don't seem concerned about it. we don't know much about the new leader. he is 30 years old. we don't know how much in control of the country he truly is at this point. now that they are moving things

around, there is a higher chance for a small miscalculation at this point is i think the markets reacted to that. >> ratcheting up or restarting that nuclear program is a big, big issue for the united states. it breaks the treaty that north korea signed before. the market is down 107 points. we will take a quick break. back in 2. my mother made the best toffee in the world.

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ut officials say thooefs have pulled off the largest single wire heist. the salt lake tribune reports that up to 35,000 feet of wire, seven miles of wire taken from light poles along a mile-long stretch of interstate 15 in salt lake city. a spokesperson said it would have taken hours or days to steal it all. the thieves may have dressed as construction workers to avoid suspicion. but copper is now at an eight month low. maybe they're stealing low, sue. >> maybe they are.